# STAR
MADISON, WI · NCUA charter 68535 · asset band <$50M · latest filing 2019-03 · stopped filing after 2019-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/star-68535

Who the members are: state charter, organized 2004, low-income designated. 507 members of 1,000 potential (50.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $16,320 |
| Members | 507 (-30.8% YoY) |
| Full-time staff | 1 |
| Net worth | $5,927 |
| Net worth ratio | 36.3% (p98 of band) |
| ROA (annualized) | -296.40% (p0 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 99.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | -3.24% (p0 of band) |
| Operating expense / assets | 445.02% (p100 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $20 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, expense trap |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, assets shrinking |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 1 |  | losing money, assets shrinking |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | losing money |  |
| 2018-06 | 4 | net worth falling, assets shrinking |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 6 | margin squeeze, members leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-13 [The Best Credit Unions Of 2025 - Bankrate](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5ib0NLcS1PRHlua25MWkZkdDZ4bkxOeDZWZHlHenRLeTZjV0p3LW5OSUFOZ0QwQmpwZDJMMGdsQ3NFR25GeVNic0F5bnkzNHdLdTNxQUpWYXlmcEZiQ2lscVBn?oc=5) · Bankrate
- 2025-12-03 [Fox Communities Credit Union looks to 'aggressively' expand in Milwaukee - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQdjZra2QtX2JUOEdhU0dZVmNpc3MtYllCV1BWdkEzUTVENnYxYnU5MVZIaFp0YmRDc1JvQUUweDVmOHlPYlRldFJOeUFnZkdka2JGbS1yZW5jUURYbDF1bUlOVzhINDZadURGWGtNT1BsT3lSUXJkRVdDMmF0Zms5a2hZcVRxZVBoTmIxZ2RVbVVySFNqTmJMZXJ4c3NaSElpY0cybWh6TENhQQ?oc=5) · The Business Journals
- 2026-03-19 [In politically divided western Wisconsin, a class on disagreeing better - Hudson Star Observer](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOSG1vS2R4MGFHaXV5M0pHYWdwaHk4MWdBaThaZm5jcGFsWm52emU4SU54UGhOTEM1VEdUX3Q2cVZpVnBCOWZfV09ETHpQVVM1OGIwNkg2bnkzYV9IZHlGR0w2UkNYRy1lTVgwRGJtY09YaFFjVWZ3S0ZMRl8wZmdwWXBVNkJhc0tOcXkzTjRyRXl3ZVA1ekRRYUVlTTRsSDRkYjF2VFZUQk9kbDJsNHF5Wi1IajRzRWFTOEVkdmlmYzhpNEV0S1BKTGlMS0d4b1JuWG9XYlU5Z25EdmJqQVRBcVgwVmpraTRkZjJGZnFCSWh0dw?oc=5) · Hudson Star Observer
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- 2026-05-26 [Grammy-winning R&B star Kehlani bringing world tour to Birmingham - WBMA](https://news.google.com/rss/articles/CBMipgFBVV95cUxNODJmcjBRdmp4Tkk1dUQ5X2tGQ0toeHlSaG4ydzYzd2M2WUl5UmQydDF4WTd2N2s3aV81TWxRaERmRDl5VTh1MlNUMFQzX2pzTGgzUUN0Z1VhNTZlMjJsQWlLSFJpSVkzcmlfRnc5cmU2dFAxc05NeUNQYmZfWUxNb0V4ejZ5R2xNSFpVNldrd2tmMXdFVWh1MzJ4Z2pCZ3dmRGdtdldB?oc=5) · WBMA
- 2026-06-03 [Daniel Ray Brost 1955-2026 - centralwinews.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOWUJPUXpjYjNUYzBFSlFUZDhJZFl1SVZ5WlJ0NldPS2U5VU5sdEstZVBWaHRvMDNVaXB0SWNoNzdjN1J4OG5wM25yTWVvMDV5Qkp2Mm4yeE1TWERIak5wUlc1UzFfcHBKbWdZVHN6VWFrMXNuU29yLWJxVHJXb1NwMWdLR3gyVl9ONkF6QlBMLTdBai12aTI5eGpsS21vUVE2anVyOFpjbDU?oc=5) · centralwinews.com
- 2026-07-13 [Tim McGraw Concert Setlist: Discover the Average Song List - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBiNENrT19aRjNpZkdRRlRkeUY4MVZUUHAyWDhSdFBSRnJ2SzVTUjh3OWxjcmRUZGNLcENLOTFMZVV5amNZN3hnOWxWNkdJbm51LW5iZGROSFFQR2YxN3c?oc=5) · Ticketmaster Blog
- 2026-07-06 [Who would be a fitting Indiana football jersey patch sponsor? It got us thinking ... - IndyStar](https://news.google.com/rss/articles/CBMihAJBVV95cUxQN1NmSVcxMEhJUEJvcE5tdWZhb3FzcjFvUVBVLWR0cmpkVFhuVTJ5WHNyRHlqYkw5TnRkcU5VM1pISHhrNWpnRzZ2T1R6WXQzVDhjaTFBTHpITTVVOXFEUWFUMEdKRjZjWnpSTldDT3NOUUpILUxueExna0w5N0o2cXBxdkVSSWdiNk5ZSjB5bF9fMC00clVwLWZ3aGNZYTZma3JpUUM3cnZ0SWlleGU3RXhTQjBuSjRVWE92M3dYZ2JMTVlJcWpSWUlSWUpvRFRHR3BrY2YtUXdQbFBMeWM0OU9KWlNERjkxUTU3S2lrNW1DdFBVdUEtV1hQZE9VQl9vejFBaw?oc=5) · IndyStar

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68535 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/55.json (key "68535", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68535
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide